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	<title>Retirement Risk Advisors</title>
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	<description>We help CPAs get safely through retirement</description>
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	<itunes:explicit>no</itunes:explicit><copyright>WhoDefinesYou.com</copyright><itunes:image href="http://www.theprosperityguy.com/wp-content/uploads/2006/10/VisitTPG.jpg"/><itunes:keywords>prosperity</itunes:keywords><itunes:summary>Tips and Ideas from Chris "The Prosperity Guy"</itunes:summary><itunes:subtitle>Tips and Ideas from Chris "The Prosperity Guy"</itunes:subtitle><itunes:category text="Business"><itunes:category text="Management &amp; Marketing"/></itunes:category><itunes:author>WhoDefinesYou.com</itunes:author><itunes:owner><itunes:email>support@whodefinesyou.com</itunes:email><itunes:name>WhoDefinesYou.com</itunes:name></itunes:owner><item>
		<title>Understanding Linked-Benefit Long-Term Care</title>
		<link>https://retirementriskadvisors.com/understanding-linked-benefit-long-term-care/</link>
					<comments>https://retirementriskadvisors.com/understanding-linked-benefit-long-term-care/#respond</comments>
		
		
		<pubDate>Thu, 30 Nov 2023 13:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[health risk]]></category>
		<category><![CDATA[hybrid insurance]]></category>
		<category><![CDATA[life expectancy]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[linked benefit]]></category>
		<category><![CDATA[long term care]]></category>
		<category><![CDATA[long term care insurance]]></category>
		<category><![CDATA[longevity risk]]></category>
		<category><![CDATA[LTC]]></category>
		<category><![CDATA[LTCi]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15796</guid>

					<description><![CDATA[As we approach retirement, the specter of long-term care expenses looms large, casting a shadow over our carefully crafted retirement plans. The daunting prospect of paying for nursing home care, assisted living, or other long-term care services can quickly deplete our savings and disrupt our financial stability. This is&#8230;]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
		<item>
		<title>Which is Best: Annuity or LIRP? Or Both?</title>
		<link>https://retirementriskadvisors.com/which-is-best-annuity-or-lirp-or-both/</link>
					<comments>https://retirementriskadvisors.com/which-is-best-annuity-or-lirp-or-both/#respond</comments>
		
		
		<pubDate>Wed, 22 Nov 2023 13:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[annuitities]]></category>
		<category><![CDATA[getting safely through retirement]]></category>
		<category><![CDATA[growth annuity]]></category>
		<category><![CDATA[income annuity]]></category>
		<category><![CDATA[income risk]]></category>
		<category><![CDATA[insurance products]]></category>
		<category><![CDATA[life insurance retirement plans]]></category>
		<category><![CDATA[LIRPS]]></category>
		<category><![CDATA[retirement tolerance]]></category>
		<category><![CDATA[risk exposure]]></category>
		<category><![CDATA[risk resilience]]></category>
		<category><![CDATA[stress test]]></category>
		<category><![CDATA[tax rate risk]]></category>
		<category><![CDATA[withdrawal rate risk]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15811</guid>

					<description><![CDATA[As we approach retirement, the complexities of financial planning can seem overwhelming. Amidst the array of investment options and retirement strategies, two prominent choices stand out: life insurance retirement plans and annuities. Understanding the distinctions between these two options is crucial for making informed decisions about your retirement future.&#8230;]]></description>
		
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			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
		<item>
		<title>You Can Unlock Your Home Equity for Retirement</title>
		<link>https://retirementriskadvisors.com/you-can-unlock-your-home-equity-for-retirement/</link>
					<comments>https://retirementriskadvisors.com/you-can-unlock-your-home-equity-for-retirement/#respond</comments>
		
		
		<pubDate>Thu, 09 Nov 2023 13:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[age 62]]></category>
		<category><![CDATA[aging in place]]></category>
		<category><![CDATA[getting safely through retirement]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[inheritance]]></category>
		<category><![CDATA[legacy]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[retirement risk]]></category>
		<category><![CDATA[retirement risk advisors]]></category>
		<category><![CDATA[reverse mortgages]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[supplemental income]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15818</guid>

					<description><![CDATA[For many retirees, their homes represent a significant portion of their wealth. Tapping into this equity can provide much-needed financial security during their golden years. Reverse mortgages offer a unique solution to accessing home equity without the burden of monthly mortgage payments. But just because you can doesn&#8217;t mean&#8230;]]></description>
		
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			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
		<item>
		<title>What Is a Second-To-Death Life Insurance Policy?</title>
		<link>https://retirementriskadvisors.com/what-is-a-second-to-death-life-insurance-policy/</link>
					<comments>https://retirementriskadvisors.com/what-is-a-second-to-death-life-insurance-policy/#respond</comments>
		
		
		<pubDate>Wed, 01 Nov 2023 13:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[death benefit]]></category>
		<category><![CDATA[estate taxes]]></category>
		<category><![CDATA[financial security]]></category>
		<category><![CDATA[future generations]]></category>
		<category><![CDATA[inheritance]]></category>
		<category><![CDATA[legacy]]></category>
		<category><![CDATA[legacy protection]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[peace of mind]]></category>
		<category><![CDATA[retirement strategy]]></category>
		<category><![CDATA[second-to-death life insurance]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15788</guid>

					<description><![CDATA[Strategies that address both financial security and legacy preservation are highly sought after. Second-to-die life insurance, also known as survivorship life insurance, emerges as a valuable tool that serves both purposes, offering a unique blend of protection and legacy planning. Understanding Second-to-Die Life Insurance Second-to-die life insurance is a&#8230;]]></description>
		
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			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
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		<title>Beneficiary IRAs: Preserving Your Legacy for Future Generations</title>
		<link>https://retirementriskadvisors.com/beneficiary-iras-preserving-your-legacy-for-future-generations/</link>
					<comments>https://retirementriskadvisors.com/beneficiary-iras-preserving-your-legacy-for-future-generations/#respond</comments>
		
		
		<pubDate>Fri, 27 Oct 2023 13:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[aging adult]]></category>
		<category><![CDATA[beneficary]]></category>
		<category><![CDATA[beneficiary IRA]]></category>
		<category><![CDATA[inheritance]]></category>
		<category><![CDATA[IRAs]]></category>
		<category><![CDATA[longevity]]></category>
		<category><![CDATA[longevity risk]]></category>
		<category><![CDATA[protecting your legacy]]></category>
		<category><![CDATA[retirement risk]]></category>
		<category><![CDATA[tax rate risk]]></category>
		<category><![CDATA[tax-deferred]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15785</guid>

					<description><![CDATA[In the realm of retirement planning, few concepts carry as much emotional weight as ensuring the financial well-being of loved ones after your passing. Beneficiary IRAs stand as a testament to this commitment, offering a means to safeguard your hard-earned savings and provide a lasting legacy for your family.&#8230;]]></description>
		
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			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
		<item>
		<title>Steady Stream of Retirement Income</title>
		<link>https://retirementriskadvisors.com/steady-stream-of-retirement-income/</link>
					<comments>https://retirementriskadvisors.com/steady-stream-of-retirement-income/#respond</comments>
		
		
		<pubDate>Thu, 19 Oct 2023 13:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[annuities offer protection]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[getting safely through retirement]]></category>
		<category><![CDATA[income annuity]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[legacy]]></category>
		<category><![CDATA[LIRPS]]></category>
		<category><![CDATA[retirement risk]]></category>
		<category><![CDATA[retirement risk protection]]></category>
		<category><![CDATA[riders for annuities]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15781</guid>

					<description><![CDATA[As CPAs, you understand the importance of financial planning for a secure retirement. While many individuals focus on accumulating assets, another crucial aspect is ensuring a steady stream of income to meet living expenses and maintain a desired lifestyle during retirement years. Income annuities emerge as a valuable financial&#8230;]]></description>
		
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			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
		<item>
		<title>Social Security &amp; Cost of Living</title>
		<link>https://retirementriskadvisors.com/social-security-cost-of-living/</link>
					<comments>https://retirementriskadvisors.com/social-security-cost-of-living/#respond</comments>
		
		
		<pubDate>Wed, 11 Oct 2023 13:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[COLA]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[retirement risk]]></category>
		<category><![CDATA[Social Security]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15742</guid>

					<description><![CDATA[The cost-of-living adjustment (COLA) to Social Security is an annual increase in Social Security benefits that is designed to help keep pace with inflation. The COLA is calculated based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), which is a measure of the prices&#8230;]]></description>
		
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			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
		<item>
		<title>4% Rule: Good or Bad?</title>
		<link>https://retirementriskadvisors.com/4-rule-good-or-bad/</link>
					<comments>https://retirementriskadvisors.com/4-rule-good-or-bad/#respond</comments>
		
		
		<pubDate>Wed, 04 Oct 2023 01:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[4% rule]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[bear market]]></category>
		<category><![CDATA[bull market]]></category>
		<category><![CDATA[LIRP]]></category>
		<category><![CDATA[market volatility]]></category>
		<category><![CDATA[retirement portfolio]]></category>
		<category><![CDATA[retirement risk]]></category>
		<category><![CDATA[sequence of return risk]]></category>
		<category><![CDATA[withdrawal rate]]></category>
		<category><![CDATA[withdrawal rate risk]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15735</guid>

					<description><![CDATA[The 4% withdrawal rate rule is a popular guideline for retirees who want to ensure that their savings will last throughout their retirement. The rule states that retirees can safely withdraw 4% of their portfolio balance in the first year of retirement, and then adjust the amount withdrawn for&#8230;]]></description>
		
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			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
		<item>
		<title>Medigap Basics When Picking Your Medicare Coverage</title>
		<link>https://retirementriskadvisors.com/medigap-basics-when-picking-your-medicare-coverage/</link>
					<comments>https://retirementriskadvisors.com/medigap-basics-when-picking-your-medicare-coverage/#respond</comments>
		
		
		<pubDate>Mon, 25 Sep 2023 13:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15712</guid>

					<description><![CDATA[Medigap Plans for Retirement with Medicare Coverage Medigap plans, also known as Medicare Supplement Insurance, are private health insurance plans that can help pay for the out-of-pocket costs of Original Medicare. This can include deductibles, copays, and coinsurance. Medigap plans are a popular choice for retirees with Medicare coverage.&#8230;]]></description>
		
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			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
		<item>
		<title>Qualified Charitable Donations: A Retirement Risk Strategy</title>
		<link>https://retirementriskadvisors.com/qualified-charitable-donations-a-retirement-strategy/</link>
					<comments>https://retirementriskadvisors.com/qualified-charitable-donations-a-retirement-strategy/#respond</comments>
		
		
		<pubDate>Wed, 20 Sep 2023 13:00:00 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[investment risk]]></category>
		<category><![CDATA[IRAs]]></category>
		<category><![CDATA[QCDs]]></category>
		<category><![CDATA[qualifying charities]]></category>
		<category><![CDATA[required minimum distributions]]></category>
		<category><![CDATA[retirement risk]]></category>
		<category><![CDATA[retirement risks]]></category>
		<category><![CDATA[RMDs]]></category>
		<category><![CDATA[roth accounts]]></category>
		<category><![CDATA[withdrawal rate risk]]></category>
		<guid isPermaLink="false">https://retirementriskadvisors.com/?p=15703</guid>

					<description><![CDATA[As you approach retirement, one of the things you need to think about is how to manage your required minimum distributions (RMDs). RMDs are the amount of money that you must withdraw from your traditional IRA or 401(k) each year after you reach age 72. If you have a&#8230;]]></description>
		
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			<dc:creator>support@whodefinesyou.com (WhoDefinesYou.com)</dc:creator></item>
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